Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Farmers National BancFMNB -0.46%55 Debt-to-Equity is 0.58 as of Jun. 2026, which is 15% below its 10-year median of 0.68. GuruFocus rates FMNB with a GF Score™ of 55/100 and a GF Value™ of $13.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,419 Banks companies, Farmers National Banc ranks better than 50.53% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Farmers National Banc's Debt-to-Equity or its related term are showing as below:
FMNB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 0.68 Max: 1.32
Current: 0.58
During the past 13 years, the highest Debt-to-Equity Ratio of Farmers National Banc was 1.32. The lowest was 0.13. And the median was 0.68.
FMNB's Debt-to-Equity is ranked better than 50.53% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs FMNB: 0.58
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Farmers National Banc Debt-to-Equity Related Terms
Farmers National Banc Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Farmers National Banc's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FMNB vs FCBC, CCBG, THFF: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Farmers National Banc's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Farmers National Banc Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Farmers National Banc's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Farmers National Banc (FMNB) has a Debt-to-Equity of 0.58 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Farmers National Banc and its competitors. This is 15% below median its historical median of 0.68. Over the past decade, Farmers National Banc's Debt-to-Equity has ranged from 0.13 to 1.32. According to the industry distribution chart, Farmers National Banc ranks #702 out of 1419 companies in the Banks industry, placing it in the top 49.5%.
Is Farmers National Banc's Debt-to-Equity too high?
Farmers National Banc's current Debt-to-Equity of 0.58 is 15% below median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.32. The Banks industry median Debt-to-Equity is 0.59. Farmers National Banc's value of 0.58 is 1.7% below this industry median. Based on the distribution chart, Farmers National Banc ranks #702 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, Farmers National Banc has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers National Banc's Debt-to-Equity compare to FCBC and CCBG?
According to the Banks industry distribution chart, Farmers National Banc ranks #702 out of 1419 companies for Debt-to-Equity. This puts Farmers National Banc in the upper half of its industry. The industry median Debt-to-Equity is 0.59. Farmers National Banc's value of 0.58 is 1.7% below this benchmark. Historically, Farmers National Banc's own Debt-to-Equity has ranged from 0.13 to 1.32 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 0.59, Farmers National Banc has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.59, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers National Banc's current Debt-to-Equity of 0.58 is 1.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Farmers National Banc and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current Debt-to-Equity is 0.58, which is 15% below median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers National Banc stock overvalued right now?
Based on GuruFocus' analysis, Farmers National Banc (FMNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.94, compared to a current price of $16.31 — trading 17% above its estimated fair value. The current Debt-to-Equity is 0.58, which is 15% below median its 10-year median of 0.68 and 1.7% below the Banks industry median of 0.59. Farmers National Banc's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Farmers National Banc (FMNB), the current Debt-to-Equity is 0.58 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Farmers National Banc (FMNB) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers National Banc stock appears to be overvalued.
The current stock price of $16.31 is trading 17% above its estimated GF Value™ of $13.94.
GuruFocus considers Farmers National Banc to be Modestly Overvalued.
Key valuation signals for FMNB:
Debt-to-Equity: 0.58 (15% below median its 10-year median of 0.68)
GF Value™: $13.94 vs. price of $16.31 (17% above fair value)
Industry Position: 1.7% below the Banks median (#702 of 1419)
No single metric tells the full story. See the FMNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers National Banc Corp is a financial holding company based in the U.S. Along with its subsidiaries, it operates in the domestic banking, trust, retirement consulting, insurance, and financial management industries. The group offers a full range of commercial and retail banking services, including checking accounts, savings accounts, time deposit accounts, commercial, mortgage, and installment loans, safe deposit boxes, ATMs, internet banking, and other banking services. Additionally, it offers personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; insurance products, and other financial products and services. The group's reportable segments are Bank, which generates the maximum revenue, and Trust.
55GF Score
Get the complete analysis for FMNB
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FMNB has been successfully added to your 
